Nobleoak LifeASX:NOL -7.42%52 Net Margin % is 2.52% as of Dec. 2025, which is 41% below its 10-year median of 4.26. GuruFocus rates ASX:NOL with a GF Score™ of 52/100 and a GF Value™ of A$1.76 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Nobleoak Life ranks worse than 80.64% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Nobleoak Life's Net Income for the
six
months ended in Dec. 2025 was A$6.3 Mil. Nobleoak Life's Revenue for the
six
months ended in Dec. 2025 was A$252.1 Mil. Therefore, Nobleoak Life's net margin for the quarter that ended in Dec. 2025 was 2.52%.
The historical rank and industry rank for Nobleoak Life's Net Margin % or its related term are showing as below:
ASX:NOL'
s Net Margin % Range Over the Past 10 Years
Min: 0.93 Med: 4.26 Max: 8.41
Current: 2.55
ASX:NOL's Net Margin % is ranked worse than 80.64% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs ASX:NOL: 2.55
Nobleoak Life (ASX:NOL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Nobleoak Life Net Margin % Related Terms
Nobleoak Life Net Margin % Historical Data
* Premium members only.
The historical data trend for Nobleoak Life's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Nobleoak Life's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Nobleoak Life Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Nobleoak Life's Net Margin % distribution charts can be found below:
* The bar in red indicates where Nobleoak Life's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Nobleoak Life (ASX:NOL) has a Net Margin % of 2.52% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Nobleoak Life and its competitors. This is 41% below median its historical median of 4.26. Over the past decade, Nobleoak Life's Net Margin % has ranged from 0.93 to 8.41. According to the industry distribution chart, Nobleoak Life ranks #404 out of 501 companies in the Insurance industry, placing it in the top 80.6%.
Is Nobleoak Life's Net Margin % too high?
Nobleoak Life's current Net Margin % of 2.52% is 41% below median its 10-year median of 4.26. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 8.41. The Insurance industry median Net Margin % is 9.29. Nobleoak Life's value of 2.52% is 72.9% below this industry median. Based on the distribution chart, Nobleoak Life ranks #404 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Nobleoak Life has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nobleoak Life's Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Nobleoak Life ranks #404 out of 501 companies for Net Margin %. This places Nobleoak Life in the lower half of its industry. The industry median Net Margin % is 9.29. Nobleoak Life's value of 2.52% is 72.9% below this benchmark. Historically, Nobleoak Life's own Net Margin % has ranged from 0.93 to 8.41 over the past decade. While the company's 10-year median is 4.26 vs. the industry median of 9.29, Nobleoak Life has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nobleoak Life's current Net Margin % of 2.52% is 72.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Nobleoak Life and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nobleoak Life's current Net Margin % is 2.52%, which is 41% below median its own 10-year median of 4.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nobleoak Life stock overvalued right now?
Based on GuruFocus' analysis, Nobleoak Life (ASX:NOL) is currently considered Significantly Undervalued. The stock's GF Value™ is A$1.76, compared to a current price of A$1.19 — trading 32.7% below its estimated fair value. The current Net Margin % is 2.52%, which is 41% below median its 10-year median of 4.26 and 72.9% below the Insurance industry median of 9.29. Nobleoak Life's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Nobleoak Life (ASX:NOL), the current Net Margin % is 2.52% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Nobleoak Life (ASX:NOL) Overvalued in 2026?
Based on GuruFocus' analysis, Nobleoak Life stock appears to be undervalued.
The current stock price of A$1.19 is trading 32.7% below its estimated GF Value™ of A$1.76.
GuruFocus considers Nobleoak Life to be Significantly Undervalued.
Key valuation signals for ASX:NOL:
Net Margin %: 2.52% (41% below median its 10-year median of 4.26)
GF Value™: A$1.76 vs. price of A$1.19 (32.7% below fair value)
Industry Position: 72.9% below the Insurance median (#404 of 501)
No single metric tells the full story. See the ASX:NOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nobleoak Life Ltd is involved in the manufacture and distribution of Life Insurance products (including death, total and permanent disability, trauma, income protection and business expenses insurance) through both its Direct and Strategic Partner (Advised) channels. The company's segments include Direct Business, Strategic Partnerships, and Genus. It generates maximum revenue from the Direct segment.
52GF Score
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